So, out-of-the-blue today I got an 18.75% (yes, I said 18.75%!!) pay increase and I still can't afford to get my ///M... I must be stupid or missing something.

Sorry, just needed to vent!

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I really want to be sarcastic and say that my heart bleeds for your unexpected 20% pay increase........but I won't. What I would do is take that extra 20%, put it aside and invest it. Be patient...wait a while, and you will be able to buy a M.....cash. If its gravy on top of what you are making, and you are getting bye with what you had before, don't spend it on things you don't need right now.Save it for soMething special.